Cash-out refinancing lenders in Orange County
3,852 cash-out refinancing mortgages were made in Orange County, Florida, in 2025, by 343 lenders. The median rate their borrowers got was 6.990% on a median loan of $215,000. Of 6,264 decisions, 2,118 were denials — 33.8%, most often for debt-to-income ratio.
| Lender | Mortgages made | Median rate | Median loan | Denied |
|---|---|---|---|---|
| Rocket Mortgage, LLC | 825 | 7.900% | $155,000 | 19.8% |
| UNITED SHORE FINANCIAL SERVICES, LLC | 474 | 6.750% | $245,000 | 30.9% |
| ADDITION FINANCIAL | 215 | 6.750% | $85,000 | 30.5% |
| FREEDOM MORTGAGE CORPORATION | 92 | 6.250% | $320,000 | 30.7% |
| Loandepot.Com, LLC | 88 | 6.813% | $195,000 | 34.3% |
| NEWREZ LLC | 87 | 6.990% | $155,000 | 61.4% |
| FAIRWINDS CREDIT UNION | 87 | 7.300% | $105,000 | 31.0% |
| PENNYMAC LOAN SERVICES, LLC | 78 | 6.625% | $285,000 | 37.2% |
| A&D Mortgage LLC | 76 | 7.188% | $175,000 | 17.4% |
| AmeriSave Mortgage Corporation | 74 | 8.500% | $105,000 | 74.2% |
| Navy Federal Credit Union | 65 | 8.350% | $185,000 | 29.8% |
| JPMorgan Chase Bank, National Association | 55 | 6.500% | $285,000 | 22.7% |
| AMWEST FUNDING CORP. | 50 | 6.875% | $250,000 | 13.8% |
| NATIONSTAR MORTGAGE LLC | 48 | 6.490% | $245,000 | 29.6% |
| GoodLeap, LLC | 43 | 7.600% | $85,000 | 35.0% |
| CROSSCOUNTRY MORTGAGE, INC. | 39 | 6.875% | $325,000 | 9.3% |
| OCMBC, INC. | 39 | 7.875% | $215,000 | 17.9% |
| SPACE COAST CREDIT UNION | 38 | 4.740% | $155,000 | 21.2% |
| Broker Solutions, Inc. | 37 | 6.750% | $265,000 | 41.3% |
| CARRINGTON MORTGAGE SERVICES, LLC | 36 | 6.813% | $145,000 | 62.3% |
| HOMEXPRESS MORTGAGE CORP. | 35 | 7.125% | $215,000 | 47.2% |
| Wells Fargo Bank, National Association | 33 | 6.625% | $225,000 | 29.2% |
| SPRING EQ, LLC | 33 | 9.700% | $135,000 | 46.2% |
| CHAMPIONS FUNDING, LLC | 30 | 7.750% | $300,000 | 29.5% |
| VELOCITY COMMERCIAL CAPITAL, LLC | 30 | 9.865% | $175,000 | 0.0% |
| ANGEL OAK MORTGAGE SOLUTIONS LLC | 28 | 8.249% | $230,000 | 25.6% |
| Hometown Equity Mortgage, LLC | 26 | 7.000% | $305,000 | 48.0% |
| Truist Bank | 26 | 6.675% | $325,000 | 16.1% |
| SOFI BANK, NATIONAL ASSOCIATION | 25 | 7.875% | $155,000 | 26.5% |
| TrustCo Bank | 25 | 6.125% | $245,000 | 41.7% |
| Citadel Servicing Corporation | 24 | 6.999% | $265,000 | 6.4% |
| GUARANTEED RATE, INC. | 23 | 6.990% | $265,000 | 28.1% |
| 254900M2C4Q6DATP2889 | 22 | 5.990% | $270,000 | 29.0% |
| Coastal Community Bank | 21 | 9.740% | $105,000 | 0.0% |
| QUORUM FEDERAL CREDIT UNION | 21 | 9.000% | $195,000 | 48.9% |
| LOWER, LLC | 21 | 7.500% | $195,000 | 30.0% |
| NEW DAY FINANCIAL, LLC | 20 | 6.990% | $300,000 | 68.0% |
| LAKEVIEW LOAN SERVICING, LLC | 20 | 6.563% | $240,000 | 65.1% |
| THE LOAN STORE, INC. | 20 | 7.000% | $270,000 | 11.1% |
| Regions Bank | 19 | 6.625% | $345,000 | 38.7% |
| U.S. Bank National Association | 18 | 7.800% | $205,000 | 28.0% |
| RF RENOVO MANAGEMENT COMPANY, LLC | 18 | 7.250% | $240,000 | 0.0% |
| Commerce Home Mortgage, Inc. | 17 | 7.750% | $275,000 | 19.1% |
| ALKAN MORTGAGE CORPORATION | 17 | 6.750% | $285,000 | 4.8% |
| LAUNCH CREDIT UNION | 16 | 7.000% | $105,000 | 37.1% |
| PLAZA HOME MORTGAGE, INC. | 16 | 6.625% | $285,000 | 35.7% |
| MUTUAL OF OMAHA MORTGAGE, INC. | 15 | 6.625% | $295,000 | 48.4% |
| KIND LENDING, LLC | 15 | 6.875% | $345,000 | 51.6% |
| THE MORTGAGE FIRM, INC. | 13 | 6.990% | $255,000 | 0.0% |
| AMERICAN FINANCIAL NETWORK, INC. | 12 | 7.000% | $270,000 | 29.4% |
| McCoy Federal Credit Union | 12 | Not published | $100,000 | 26.3% |
| AMERICAN HERITAGE LENDING, LLC | 12 | 7.938% | $205,000 | 10.0% |
| NEXERA HOLDING LLC | 12 | 7.500% | $225,000 | 29.4% |
| PHH Mortgage Corporation | 11 | 6.875% | $215,000 | 14.3% |
| Luminate Bank | 10 | 7.313% | $265,000 | 9.1% |
| DEEPHAVEN MORTGAGE LLC | 10 | 7.183% | $255,000 | 44.4% |
| PARTNERS Federal Credit Union | 10 | 5.990% | $355,000 | 23.1% |
| USAA Federal Savings Bank | 10 | 6.375% | $240,000 | 16.7% |
| SUN WEST MORTGAGE COMPANY, INC. | 9 | Under 10 loans | Under 10 loans | 45.5% |
| The Federal Savings Bank | 9 | Under 10 loans | Under 10 loans | 0.0% |
| Bank of America, National Association | 9 | Under 10 loans | Under 10 loans | 35.7% |
| FBC MORTGAGE, LLC | 9 | Under 10 loans | Under 10 loans | 18.2% |
| AMERICAN FINANCING CORPORATION | 8 | Under 10 loans | Under 10 loans | 73.5% |
| MIDFLORIDA | 8 | Under 10 loans | Under 10 loans | 33.3% |
| MOVEMENT MORTGAGE, LLC | 8 | Under 10 loans | Under 10 loans | 18.2% |
| CLEAREDGE LENDING LLC | 8 | Under 10 loans | Under 10 loans | 38.5% |
| JMAC LENDING, INC. | 8 | Under 10 loans | Under 10 loans | 11.1% |
| Mortgage Research Center, LLC | 7 | Under 10 loans | Under 10 loans | 81.8% |
| Equity Prime Mortgage LLC | 7 | Under 10 loans | Under 10 loans | 53.3% |
| AMERICAN NEIGHBORHOOD MORTGAGE ACCEPTANCE COMPANY LLC | 7 | Under 10 loans | Under 10 loans | 12.5% |
| BETTER MORTGAGE CORPORATION | 7 | Under 10 loans | Under 10 loans | 58.8% |
| Fifth Third Bank, National Association | 7 | Under 10 loans | Under 10 loans | 46.2% |
| Mortgage Lenders Investment Trading Corporation | 7 | Under 10 loans | Under 10 loans | 0.0% |
| General Mortgage Capital Corporation | 7 | Under 10 loans | Under 10 loans | 0.0% |
| RELIANCE FIRST CAPITAL, LLC | 7 | Under 10 loans | Under 10 loans | 0.0% |
| GUILD MORTGAGE COMPANY | 6 | Under 10 loans | Under 10 loans | 11.1% |
| AMERICAN PACIFIC MORTGAGE CORPORATION | 6 | Under 10 loans | Under 10 loans | 33.3% |
| Flagstar Bank, N.A. | 6 | Under 10 loans | Under 10 loans | 40.0% |
| NEW WAVE LENDING GROUP INC | 6 | Under 10 loans | Under 10 loans | 0.0% |
| CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP | 6 | Under 10 loans | Under 10 loans | 14.3% |
| CMG MORTGAGE, INC. | 5 | Under 10 loans | Under 10 loans | 22.2% |
| Loan Funder LLC | 5 | Under 10 loans | Under 10 loans | 44.4% |
| FlexPoint, Inc. | 5 | Under 10 loans | Under 10 loans | 0.0% |
| VYSTAR CREDIT UNION | 5 | Under 10 loans | Under 10 loans | 50.0% |
| EVERETT FINANCIAL, INC. | 5 | Under 10 loans | Under 10 loans | 16.7% |
| Cornerstone First Mortgage, Inc | 5 | Under 10 loans | Under 10 loans | 16.7% |
| CAKE MORTGAGE CORP. | 5 | Under 10 loans | Under 10 loans | 16.7% |
| Emporium TPO LLC | 5 | Under 10 loans | Under 10 loans | 11.1% |
| GOLD STAR MORTGAGE FINANCIAL GROUP, CORPORATION | 5 | Under 10 loans | Under 10 loans | 14.3% |
| ARC HOME LLC | 5 | Under 10 loans | Under 10 loans | 28.6% |
| Waterstone Mortgage Corporation | 5 | Under 10 loans | Under 10 loans | 28.6% |
| FIRST COMMUNITY MORTGAGE, INC. | 5 | Under 10 loans | Under 10 loans | 25.0% |
| UNION HOME MORTGAGE CORP. | 5 | Under 10 loans | Under 10 loans | 0.0% |
| HOMEBRIDGE FINANCIAL SERVICES, INC. | 5 | Under 10 loans | Under 10 loans | 16.7% |
| MORTGAGE EQUITY PARTNERS LLC | 5 | Under 10 loans | Under 10 loans | 0.0% |
| NETWORK CAPITAL FUNDING CORPORATION | 4 | Under 10 loans | Under 10 loans | 63.6% |
| LENDINGONE, LLC | 4 | Under 10 loans | Under 10 loans | 71.4% |
| Logan Finance Corporation | 4 | Under 10 loans | Under 10 loans | 37.5% |
| PFN Lending Group, Inc. | 4 | Under 10 loans | Under 10 loans | 66.7% |
| Paramount Residential Mortgage Group, Inc. | 4 | Under 10 loans | Under 10 loans | 0.0% |
| TOP FLITE FINANCIAL, INC. | 4 | Under 10 loans | Under 10 loans | 50.0% |
| Ixonia Bank | 4 | Under 10 loans | Under 10 loans | 42.9% |
| SECURITYNATIONAL MORTGAGE COMPANY | 4 | Under 10 loans | Under 10 loans | 20.0% |
| VISTA POINT MORTGAGE, LLC | 4 | Under 10 loans | Under 10 loans | 25.0% |
| AAA CAPITAL INVESTMENT, INC. | 4 | Under 10 loans | Under 10 loans | 14.3% |
| RESICENTRAL, LLC | 4 | Under 10 loans | Under 10 loans | 0.0% |
| Magnolia Bank, Incorporated | 4 | Under 10 loans | Under 10 loans | 0.0% |
| PNC Bank, National Association | 4 | Under 10 loans | Under 10 loans | 33.3% |
| MEADOWBROOK FINANCIAL MORTGAGE BANKERS CORP. | 4 | Under 10 loans | Under 10 loans | 0.0% |
| LEADERONE FINANCIAL CORPORATION | 4 | Under 10 loans | Under 10 loans | 0.0% |
| Liberty | 4 | Under 10 loans | Under 10 loans | 0.0% |
| Fairway Independent Mortgage Corporation | 4 | Under 10 loans | Under 10 loans | 0.0% |
| American Mortgage Bank, LLC | 4 | Under 10 loans | Under 10 loans | 0.0% |
| PRIMELENDING, A PLAINSCAPITAL COMPANY | 4 | Under 10 loans | Under 10 loans | 0.0% |
| CLEARPATH LENDING | 4 | Under 10 loans | Under 10 loans | 0.0% |
| ALL CREDIT CONSIDERED MORTGAGE, INC. | 4 | Under 10 loans | Under 10 loans | 0.0% |
| VILLAGE CAPITAL & INVESTMENT LLC | 3 | Under 10 loans | Under 10 loans | 78.6% |
| MISSION LOANS, LLC | 3 | Under 10 loans | Under 10 loans | 0.0% |
| Beeline Loans, Inc. | 3 | Under 10 loans | Under 10 loans | 25.0% |
| 254900HL2VMAYA3J5494 | 3 | Under 10 loans | Under 10 loans | 42.9% |
| SouthState Bank, National Association | 3 | Under 10 loans | Under 10 loans | 40.0% |
| CHURCHILL MORTGAGE CORPORATION | 3 | Under 10 loans | Under 10 loans | 25.0% |
| ALLIED MORTGAGE GROUP, INC. | 3 | Under 10 loans | Under 10 loans | 40.0% |
| PLANET HOME LENDING, LLC | 3 | Under 10 loans | Under 10 loans | 62.5% |
| LENOX FINANCIAL MORTGAGE CORPORATION, Sage Home Loans Corporation | 3 | Under 10 loans | Under 10 loans | 25.0% |
| LENDSURE MORTGAGE CORP. | 3 | Under 10 loans | Under 10 loans | 20.0% |
| PENTAGON FEDERAL CREDIT UNION | 3 | Under 10 loans | Under 10 loans | 50.0% |
| Northwest Federal Credit Union | 3 | Under 10 loans | Under 10 loans | 57.1% |
| 9845007CY0EC0F59W414 | 3 | Under 10 loans | Under 10 loans | 25.0% |
| Manufacturers and Traders Trust Company | 3 | Under 10 loans | Under 10 loans | 40.0% |
| FIRST COLONY MORTGAGE CORPORATION | 3 | Under 10 loans | Under 10 loans | 0.0% |
| TROPICAL FINANCIAL CREDIT UNION | 3 | Under 10 loans | Under 10 loans | 50.0% |
| OAKTREE FUNDING CORP. | 3 | Under 10 loans | Under 10 loans | 20.0% |
| EMBRACE HOME LOANS, INC. | 3 | Under 10 loans | Under 10 loans | 25.0% |
| GENEVA FINANCIAL, LLC | 3 | Under 10 loans | Under 10 loans | 0.0% |
| BPL MORTGAGE TRUST, LLC | 3 | Under 10 loans | Under 10 loans | 20.0% |
| Sierra Pacific Mortgage Company, Inc. | 3 | Under 10 loans | Under 10 loans | 0.0% |
| UNITED MORTGAGE CORP. | 3 | Under 10 loans | Under 10 loans | 0.0% |
| Southwest Airlines Federal Credit Union | 3 | Under 10 loans | Under 10 loans | 0.0% |
| NORTHPOINT MORTGAGE, INC. | 3 | Under 10 loans | Under 10 loans | 0.0% |
| Texana Bank, National Association | 2 | Under 10 loans | Under 10 loans | 60.0% |
| DOMINION FINANCIAL SERVICES, LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| GUARANTEED RATE AFFINITY, LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Ameris Bank | 2 | Under 10 loans | Under 10 loans | 0.0% |
| First Savings Bank | 2 | Under 10 loans | Under 10 loans | 60.0% |
| NBKC BANK | 2 | Under 10 loans | Under 10 loans | 50.0% |
| AMERIHOME MORTGAGE COMPANY, LLC | 2 | Under 10 loans | Under 10 loans | 40.0% |
| Home Mortgage Alliance Corporation (HMAC) | 2 | Under 10 loans | Under 10 loans | 60.0% |
| Mid-Continent Funding, Inc. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| NexBank | 2 | Under 10 loans | Under 10 loans | 50.0% |
| MORTGAGE SOLUTIONS OF COLORADO, LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Suncoast Credit Union | 2 | Under 10 loans | Under 10 loans | 50.0% |
| CONSTRUCTIVE LOANS, LLC | 2 | Under 10 loans | Under 10 loans | 16.7% |
| Filo Mortgage, L.L.C. | 2 | Under 10 loans | Under 10 loans | 25.0% |
| ICE LENDER HOLDINGS LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Third Federal Savings and Loan Association of Cleveland | 2 | Under 10 loans | Under 10 loans | 50.0% |
| NORTHROP GRUMMAN Federal Credit Union | 2 | Under 10 loans | Under 10 loans | 50.0% |
| AMERITRUST MORTGAGE CORPORATION | 2 | Under 10 loans | Under 10 loans | 33.3% |
| USF Federal Credit Union | 2 | Under 10 loans | Under 10 loans | 33.3% |
| NATIONS DIRECT MORTGAGE, LLC | 2 | Under 10 loans | Under 10 loans | 33.3% |
| 2549005Z23HAAZ6QDM98 | 2 | Under 10 loans | Under 10 loans | 0.0% |
| FIRST FLORIDA Credit Union | 2 | Under 10 loans | Under 10 loans | 33.3% |
| DIGITAL | 2 | Under 10 loans | Under 10 loans | 33.3% |
| NFM, INC. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| CALCON MUTUAL MORTGAGE LLC | 2 | Under 10 loans | Under 10 loans | 33.3% |
| Greenbox Loans, Inc. | 2 | Under 10 loans | Under 10 loans | 33.3% |
| Valley National Bank | 2 | Under 10 loans | Under 10 loans | 50.0% |
| AHL FUNDING | 2 | Under 10 loans | Under 10 loans | 0.0% |
| FLYHOMES MORTGAGE, LLC | 2 | Under 10 loans | Under 10 loans | 33.3% |
| COMMUNITY FIRST CREDIT UNION OF FLO | 2 | Under 10 loans | Under 10 loans | 0.0% |
| ATLANTIC BAY MORTGAGE GROUP, L.L.C. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Bell Bank | 2 | Under 10 loans | Under 10 loans | 0.0% |
| GTE Federal Credit Union | 2 | Under 10 loans | Under 10 loans | 0.0% |
| USALLIANCE FEDERAL CREDIT UNION | 2 | Under 10 loans | Under 10 loans | 0.0% |
| ROYAL PACIFIC FUNDING CORP. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| CONSUMERS COOPERATIVE CREDIT UNION | 2 | Under 10 loans | Under 10 loans | 0.0% |
| CAMPUS USA CREDIT UNION | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Charles Schwab Bank, SSB | 2 | Under 10 loans | Under 10 loans | 0.0% |
| VAL-CHRIS INVESTMENTS, INC. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Baxter Credit Union | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Fidelity Lending Solutions, Inc. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Northpointe Bank | 2 | Under 10 loans | Under 10 loans | 0.0% |
| United Trust Bank | 2 | Under 10 loans | Under 10 loans | 0.0% |
| SayGO Home Loans, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Florida Credit Union | 1 | Under 10 loans | Under 10 loans | 75.0% |
| Plains Commerce Bank | 1 | Under 10 loans | Under 10 loans | 50.0% |
| Valon Mortgage, Inc. | 1 | Under 10 loans | Under 10 loans | 75.0% |
| TOWNE MORTGAGE COMPANY | 1 | Under 10 loans | Under 10 loans | 0.0% |
| AMERICAN FINANCIAL RESOURCES, INC. | 1 | Under 10 loans | Under 10 loans | 50.0% |
| Click n' Close, Inc. | 1 | Under 10 loans | Under 10 loans | 33.3% |
| AMERICAN BANCSHARES MORTGAGE, LLC | 1 | Under 10 loans | Under 10 loans | 50.0% |
| GUIDANCE RESIDENTIAL, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| First Horizon Bank | 1 | Under 10 loans | Under 10 loans | 66.7% |
| BMO Bank National Association | 1 | Under 10 loans | Under 10 loans | 66.7% |
| ROUNDPOINT MORTGAGE SERVICING LLC | 1 | Under 10 loans | Under 10 loans | 50.0% |
| RBC Bank, (Georgia) National Association | 1 | Under 10 loans | Under 10 loans | 50.0% |
| Prosperity Home Mortgage, LLC | 1 | Under 10 loans | Under 10 loans | 66.7% |
| CREDIT UNION 1 | 1 | Under 10 loans | Under 10 loans | 50.0% |
| TOWER Federal Credit Union | 1 | Under 10 loans | Under 10 loans | 66.7% |
| FUNDLOANS CAPITAL | 1 | Under 10 loans | Under 10 loans | 0.0% |
Ranked by mortgages made here in 2025. "Denied" is the share of this lender’s decisions here that were denials. Another 143 lenders each made 1 or fewer mortgages here, and are counted in the totals above.
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Counts, medians and denial shares are computed from the Home Mortgage Disclosure Act loan-level file for 2025, published by the Consumer Financial Protection Bureau through the FFIEC: every application a covered lender received, as the lender reported it. A median rate is what borrowers got, not what you will be offered — it depends on the loan, the property, your credit and the market on the day, and no figure here is a quote. A median over fewer than 10 loans is not shown: it is a number with no meaning and a real person's rate half-exposed. Those cells say "under 10 loans" and the count is still published. This is information, not advice, and no lender pays to appear.